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Advice needed urgently

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bambos
bambos Posts: 284 Forumite
Debt-free and Proud!
in Reclaim PPI & other insurance
My husband was married previously and he had a joint mortgage with YBS. Skip ten years forward and we decided to ring YBS to see if there was PPI on this mortgage which there was. Problem being YBS said they need his ex wife's agreement to open a case but she won't play ball (even though she might get some money) so we are stuck. Can anyone suggest something?
House renovation savings £25,000/£25,000
Emergency fund £1000

When you hit rock bottom the only way is up!

If you believe in yourself you can climb mountains
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  • [Deleted User]
    [Deleted User] Posts: 26,612 Forumite
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    bambos wrote: »
    Can anyone suggest something?
    Persuade her!
  • magpiecottage
    magpiecottage Posts: 9,241 Forumite
    1,000 Posts Combo Breaker
    Of course it may be that she realises it as correctly sold and does not want to involve herself in a fraudulent complaint.
  • sun73
    sun73 Posts: 498 Forumite
    Part of the Furniture 100 Posts
    What did op say that suggests it might be a fraudulent complaint?
  • societys_child
    societys_child Posts: 7,110 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    sun73 wrote: »
    What did op say that suggests it might be a fraudulent complaint?
    Nothing, but if it was correctly sold then it's possible it could be . . .
  • magpiecottage
    magpiecottage Posts: 9,241 Forumite
    1,000 Posts Combo Breaker
    She would hardly be likely to broadcast it if it was.

    It is one of the things I have to look at.

    Anyway, given that most mortgage PPI is correctly sold (and so most complaints about it fail), it is not an unreasonable possibility to consider.
  • bambos
    bambos Posts: 284 Forumite
    Debt-free and Proud!
    Just to clarify it was missold as it was never ever requested but YBS added it anyway.
    House renovation savings £25,000/£25,000
    Emergency fund £1000

    When you hit rock bottom the only way is up!

    If you believe in yourself you can climb mountains
  • dunstonh
    dunstonh Posts: 119,798 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    bambos wrote: »
    Just to clarify it was missold as it was never ever requested but YBS added it anyway.

    That is one of the weakest reasons going and you rarely see any success on that particular reason due to lack of evidence. Have you anything stronger?

    Although IIRC, Yorkshire bank was monthly direct debit on their MPPI and up to around the early 2000s, it was mandatory to buy an insurance product to get the special mortgage deal. That is allowed. So, if you fall within that period, it would make an easy rejection.
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • magpiecottage
    magpiecottage Posts: 9,241 Forumite
    1,000 Posts Combo Breaker
    bambos wrote: »
    Just to clarify it was missold as it was never ever requested but YBS added it anyway.
    How do you know? Were you there?

    Why did your other half not query why a separate payment was coming out each month?
  • bambos
    bambos Posts: 284 Forumite
    Debt-free and Proud!
    magpiecottage wrote: »
    How do you know? Were you there? Obviously not as I said in my original post - he was married to his ex wife at this point - offensive actually as you were already aware of this fact!

    Why did your other half not query why a separate payment was coming out each month?
    He was earning a significant salary at this point and it was 'missed' due to the fact that the ex wife was managing all of the finances and giving him an allowance each month - just the tip of the abusive relationship ( both financially and emotionally ) I'm afraid
    House renovation savings £25,000/£25,000
    Emergency fund £1000

    When you hit rock bottom the only way is up!

    If you believe in yourself you can climb mountains
  • bambos
    bambos Posts: 284 Forumite
    Debt-free and Proud!
    dunstonh wrote: »
    That is one of the weakest reasons going and you rarely see any success on that particular reason due to lack of evidence. Have you anything stronger?

    Although IIRC, Yorkshire bank was monthly direct debit on their MPPI and up to around the early 2000s, it was mandatory to buy an insurance product to get the special mortgage deal. That is allowed. So, if you fall within that period, it would make an easy rejection.
    Thankyou we will explore this further as we were both unaware it was mandatory at this point
    House renovation savings £25,000/£25,000
    Emergency fund £1000

    When you hit rock bottom the only way is up!

    If you believe in yourself you can climb mountains
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